What you need to know about financing before applying Although times are tough, small business financing is still available. Banks are collateral lenders and require guarantees from borrowers with a strong credit score who pledge verifiable assets to secure a loan. Getting the loan you’re looking for is possible if you’re informed. Use these quick tips to start you on your way to the perfect loan package. By Steve Bloom, SCORE Counselor, www.nextavenue.org Form a relationship You need…